Industrial consumer finance loans have a formal national consumer finance license, belonging to Industrial Bank, which is more formal and not as black as small loans on the market. It is understood that Xingye consumer finance loan provides three products: empty-handed, household consumption loan and educational treasure. The better the applicant's credit conditions, the lower the loan interest rate. Industrial Consumer Finance clearly stated that it would not charge the borrower any fees and interest outside the contract in strict accordance with state regulations, and there were no hard charging items. It can be seen that industrial consumption financial loans are still relatively reliable. 1. Xingye Consumer Finance Co., Ltd. (hereinafter referred to as "Xingye Xiaojin") is a consumer finance company established with the approval of China Banking Regulatory Commission, with Industrial Bank as the main investor and Quanzhou Commercial Corporation, Xtep (China) Co., Ltd. and Fucheng (China) Co., Ltd. as shareholders, and controlled by Industrial Bank. The company was established in 20 14 and 12, and its registered place is Quanzhou, Fujian Province, with a registered capital of RMB 300 million. Relying on the advantages of the parent company Industrial Bank, a comprehensive group financial platform, Xingye Xiaojin is committed to expanding online and offline personal consumer credit business. Combined with the unique advantages of consumer finance, such as small single credit line, fast approval speed, no mortgage guarantee, flexible service mode and short loan term, Industrial Consumer Finance provides high-quality, efficient and professional consumer financial services to individual customers through technological innovation, channel innovation, big data marketing and financial product innovation. Up to now, Xingye Xiaojin has set up sales offices in Quanzhou, Fuzhou, Xiamen, Zhangzhou, Guangzhou, Shenzhen, Chongqing, Nanjing, Shijiazhuang, Hangzhou, Jinan and other domestic cities. Legal representative: Haiqing Zheng, date of establishment: 20 14- 12-22, registered capital:1200,000 yuan Location: Fujian Unified Social Credit Code: 9135050031533477. State-owned) English name: IndustrialFinance Co., Ltd. Employee size: 500-999. Enterprise address: Industrial Bank Building13, Fengze Street, Fengze District, Quanzhou City, Fujian Province. Business scope: granting personal consumption loans; Accepting deposits from domestic subsidiaries of shareholders and domestic shareholders; Borrowing from domestic financial institutions; Issuing financial bonds upon approval; Domestic interbank lending; Consulting and agency business related to consumer finance; Fixed income securities investment business; Other businesses approved by the CBRC. (Projects subject to approval according to law can only be operated after approval by relevant departments) Second, Xingye Consumer Finance Co., Ltd. is a consumer finance company. 2065438+2004 65438+2004 was formally established in Quanzhou Financial Reform Experimental Zone, Fujian Province. This is the first consumer finance company controlled by a joint-stock commercial bank in China, and it is also the first company opened by China Consumer Finance Company since the expansion of the pilot project in 2065438+2004 1.
Second, is Xingye credible?
This company is deceptive, don't be fooled. As long as you ask for a loan, they will ask you to remit money under various excuses until you are impatient, and you will automatically give up and ask for money.
Third, is the industrial consumer finance loan reliable?
If it's not reliable, you have to investigate it yourself. What meets your own needs is the most suitable.
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Loan is a double-edged sword. No special needs, use with caution.
Industrial consumption finance is not a product of banks, but a product of financial institutions. The major shareholder is a company established by Industrial Bank and other investors. Real estate plus punch card salary, social security (or provident fund) real estate plus business license plus tap water. In the loan financing circle, it is a very advantageous financial product. There are many questions. You can communicate and get a loan. In terms of interest, the matching principal and interest is about 8%- 1 cent. The annualized interest rate is between 13.2 and 22.8. 3. Choose the loan carefully according to your own needs.
1. Xingye Consumer Finance Co., Ltd. is a joint-stock company and insurance regulatory commission established in Quanzhou with the approval of Fujian Banking Regulatory Bureau. Industrial Consumption Fujian Quanzhou Commercial Group Co., Ltd., Xtep (China) Co., Ltd. and Fucheng (China) Co., Ltd. were jointly initiated and formally established on February 22, 2004 with a registered capital of 300 million yuan. The company will develop into a leader in consumer finance and an innovator in inclusive finance, continuously deepen the integration of traditional experience and emerging technologies, build the core competitiveness of financial technology through customer acquisition, and lead the industry in risk control and operation, service quality and efficiency.
2. Generally speaking, what are the characteristics of formal online lending?
(1) loan threshold. Generally, regular online loans have a relatively complete risk control system and require loan records. Those who claim not to check their credit only need their ID cards and click in to fill in all kinds of personal information and materials.
(2) Interest level. The rate is less than 24%, which is protected by law; Now, both parties can freely agree; If the annual interest rate exceeds 36%, it is not protected by law. Therefore, we must look at our own loan amount and total repayment, and calculate whether the annual interest rate meets the national regulations. ) charge. Generally speaking, formal loans only have a penalty interest. If moths ask for various fees before lending, don't believe it, it is difficult to get it back.
4. Is Industrial Bank's consumer loan quota reliable?
Industrial Bank's consumer loan quota is still very reliable, because it needs to pass the final audit of bank outlets.